Bellingham, WA MSA · FY2026 area median income $123,300 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $417 | $625 | $834 | $1,042 | $1,251 | $1,459 | $1,668 |
| 1BR | $447 | $670 | $894 | $1,117 | $1,341 | $1,564 | $1,788 |
| 2BR | $536 | $804 | $1,073 | $1,341 | $1,609 | $1,877 | $2,146 |
| 3BR | $620 | $930 | $1,240 | $1,550 | $1,860 | $2,170 | $2,480 |
| 4BR | $691 | $1,037 | $1,383 | $1,728 | $2,074 | $2,420 | $2,766 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $25,020 | $41,700 | $50,040 | $66,720 |
| 2 persons | $28,620 | $47,700 | $57,240 | $76,320 |
| 3 persons | $32,190 | $53,650 | $64,380 | $85,840 |
| 4 persons | $35,760 | $59,600 | $71,520 | $95,360 |
| 5 persons | $38,640 | $64,400 | $77,280 | $103,040 |
| 6 persons | $41,490 | $69,150 | $82,980 | $110,640 |
| 7 persons | $44,370 | $73,950 | $88,740 | $118,320 |
| 8 persons | $47,220 | $78,700 | $94,440 | $125,920 |
Rents are capped at 30% of the income limit for an imputed household of 1.5 persons per bedroom, so a two-bedroom unit uses the three-person limit. Under the average income test, units can be designated from 20% to 80% AMI as long as the weighted average stays at or below 60%.
Run a deal in Whatcom County to see the sources and uses, bond test, DSCR, and funding gap using these rents.